About RMD Calculator

This calculator estimates the Required Minimum Distribution (RMD) for retirement accounts, based on IRS rules, your age, and account balance. It supports spouse beneficiary and future projection.

Supported Features

• Year of birth, RMD year, and account balance
• Spouse beneficiary and spouse's year of birth
• IRS Uniform Lifetime Table (2024+)
• Future projection with estimated return rate
• Detailed schedule of RMDs and balances

Calculation Method

• RMD = Account Balance / Distribution Period (from IRS table)
• Distribution period depends on age and spouse info
• Future projection assumes RMD withdrawn at year end, balance grows at specified rate

Examples

• Year of birth: 1950, RMD year: 2025, Balance: $200,000, Spouse: Yes, Spouse birth year: 1952, Return rate: 5% → RMD: $8,130.08